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M1: The Finance
Super AppTM

M1 takes care of the day-to-day tasks so you can concentrate on the big picture. Get the perfect mix of personalization and automation and start making your own money moves. For free.

Download on the App Store
Get it on Google Play

Leverage your insights

We didn’t make the Finance Super App™ for day trading or set-it-and-forget-it investing. Bring your expertise to our platform for strategic, long term growth—elevated with automation and customizable to suit your goals.

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Free to use
No management fees whatsoever. 

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Build a portfolio of stocks and ETFs how you want. 

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Diversify with fractional shares. 

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Schedule contributions and rebalance with one click. 

Get the best M1 has to offer

By signing up for M1, you’ll automatically qualify for a FREE year of M1 Plus (a $125 value). You’ll have access to our best perks, features, and discounts that can help you push your money further. 

There’s no catch. Sign up in seconds and change your membership settings anytime. 

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M1 Basic

  • $0 management fees
  • AM trade window
  • Automate your investing with scheduling and Dynamic Rebalancing
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M1 Plus

  • $0 management fees
  • AM or PM trade windows info icon
  • Smart Transfers use ‘if, then’ rules to optimize your money across M1

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Beyond brilliant investing

The Finance Super App™ can do more than just automate your market moves. When borrowing or spending, M1 Plus gives you the best bang for your buck. 


Accept direct deposits, transfer funds, and spend with the M1 Spend Visa® debit card.  

Plus members get 1% APY info icon , 1% cash back, and can send checks. 


Tap into a portfolio line of credit at just 4.25% and use the funds for anything you like. 

Plus members borrow at just 2.75%. info icon 

What our clients say

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Fractional shares, auto-rebalancing, and it’s absolutely free to use!

Matt G.

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M1 Borrow’s flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus) can’t be beat.

Adam T.

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My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

Joy W.

May not be representative of the experience of other customers. Not a guarantee of future performance or success.

Recognized and celebrated

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Hundreds of thousands of investors

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35,000+ 5-star reviews

(App Store and Google Play)

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Best for sophisticated investors

(Investopedia, 2021)

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One of the best robo-advisors

(Money, 2021)

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Best free trading platform in 2021

(Yahoo, 2021)

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Account protection with peace of mind


Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.


M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.

M1 Finance

We are a technology-first company that utilizes the latest in information security.

Powerful investing,
your way

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Check the background of M1 Finance LLC on FINRA's BrokerCheck

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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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